Article: The Taking of a Troubled Thrift; FDIC Move on Cleveland's Broadview Savings Illustrates New Challenge Facing the Agency

John Misiewicz, a government bank regulator who often must calm nervous depositors, was fidgeting with worry, adjusting his eyeglasses and shuffling pages of notes.

The next morning, the 39-year-old bank examiner would lead a crew from the Federal Deposit Insurance Corp. on a mission he had never before tackled: The takeover of a troubled savings and loan.

"Tomorrow is going to be a tough day, no question," he told about 20 government officials, some in blue jeans and others in pin-striped suits, who gathered for a secret strategy meeting in a hotel room across the street from Broadview Savings Bank.

Then he raised a concern that was to dominate everyone's thoughts: What if, instead ...

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